What you need to know about your account

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1 The information in this disclosure may not be entirely accessible to screen readers. If you have any questions please contact your Wells Fargo banker or call our National Business Banking Center at Representatives are available to assist you 24 hours a day, 7 days a week. Business Account Fee and Information Schedule What you need to know about your account Effective July 15, 2015

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3 Table of contents Introduction Banking services available to you Visit a banking location in person...1 Wells Fargo National Business Banking Center... 1 Monthly fees Business checking accounts Wells Fargo Business Choice Checking... 4 Wells Fargo Platinum Business Checking... 5 Additional business checking accounts... 8 Wells Fargo Simple Business Checking... 8 Wells Fargo Additional Platinum Checking... 8 Wells Fargo Business Checking Public Funds... 9 Wells Fargo Business Checking Plus Public Funds... 9 Basic Business Checking with Interest Interest on Lawyer s Trust Account (IOLTA)...12 Wells Fargo Analyzed Business Checking with Interest Interest on Lawyer s Trust Account (IOLTA)...13 Basic Business Checking with Interest Real Estate Trust Account (RETA)...14 Wells Fargo Analyzed Business Checking...16 Wells Fargo Analyzed Business Checking Public Funds...16 Wells Fargo Choice IV U.S. Government Account...16 Wells Fargo Analyzed Business Checking Plus...17 Wells Fargo Analyzed Business Checking Plus Public Funds...17 Wells Fargo Analyzed Business Checking Select...20 Analyzed account transaction categories Savings accounts Wells Fargo Business Market Rate Savings...26 Wells Fargo Business Market Rate Account Public Funds...27 Wells Fargo Business Platinum Savings...27 Regulation D savings account transaction limit and other limited activity Time Accounts (CDs) Wells Fargo Business Time Account (CD)...30 Wells Fargo Business Step Rate Time Account (CD)...33 Wells Fargo Public Funds Time Account (CD)...36 Service fees Additional terms Recoupment fee...49 Uncollected funds...49 Glossary i

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5 Introduction What you can find in the booklet In the booklet, you will find information about your account requirements, features, benefits, and fees. By opening your account, you agree to pay the fees described in this booklet. When using your Wells Fargo accounts, you will pay fees for conducting specific transactions and for using specific services. Fees may vary based on the type of account you have, how you use your account, the state where the account was opened, or where a transaction is performed. Your account may be charged fees during a statement period other than the one in which the activities or services that caused the fee to occur. In addition to listing potential fees for each account in the account information pages, the service fees section lists other fees associated with services you may use. In addition, to help you avoid unexpected fees, this booklet explains when fees may be charged, and when possible, how to qualify for a fee waiver. If you have a question about a fee that this booklet does not answer, please contact a banker or call CALL-WELLS ( ). Words used to refer to the account owner, Wells Fargo, and this booklet The account owner is referred to as you, your, or yours. Wells Fargo is referred to as the Bank, we, us, or our. This booklet, the Business Account Fee and Information Schedule, is Schedule. The companion booklet, the Business Account Agreement, is Agreement. Certain words with special meaning used in this booklet are defined in the Agreement. Changes to your account, services, or fees We may change this booklet at any time. For example, we may add new terms and conditions, or delete or amend existing terms and conditions, including fees. If required by law, we will notify you if changes, additions, or deletions to your account, your fees, or your services occur. Banking services available to you You have a variety of ways to access and manage your account. Visit a banking location in person You can take advantage of our face-to-face service by talking with a banker at one of our many banking locations across the U.S. Wells Fargo s National Business Banking Center (NBBC) Enjoy the convenience of banking by phone 24 hours a day, 7 days a week, with Wells Fargo s National Business Banking Center. You can have free, unlimited access to your accounts and conduct most of your banking business using our automated telephone banking service. There is no charge to speak with a phone banker. Access numbers Wells Fargo accepts Telecommunications Relay Services calls. All customers with business accounts CALL-WELLS ( ) TTY/TDD for deaf and hard-of-hearing customers Los clientes que hablan español Customers outside the U.S. Visit wellsfargo.com/help/internationalaccess-codes to view a list of our International Access Codes. 1

6 Monthly fees This section applies to the following accounts: Wells Fargo Business Choice Checking Wells Fargo Platinum Business Checking Wells Fargo Simple Business Checking Wells Fargo Additional Platinum Checking Wells Fargo Business Checking Public Funds Wells Fargo Business Checking Plus Public Funds Wells Fargo Business Market Rate Savings Wells Fargo Business Market Rate Account Public Funds Wells Fargo Business Platinum Savings What is a statement period? The dates of your statement period are located at the top of your account statement. The statement provides you a record of all transactions posted during that period. Statement periods may be monthly, quarterly, semi-annual, or annual. What is a fee period? The fee period is the period we use to calculate monthly fees. The dates of your fee period are located in the section on your statement called Monthly service fee summary for each account. The fee period is also used to count the number of transactions before charging fees for some transactions during that period. For example, your account may have a certain number of no charge transactions each fee period before being charged for additional transactions. This chart illustrates when a transaction is included in the monthly fees calculation Transaction Transaction received before the applicable cutoff time Transaction received after the applicable cutoff time or on a non-business day Regularly scheduled automated banking transaction, such as an automatic transfer from your checking account to savings account, on a non-business day Pending transaction shown in Online Banking Account changes, such as signing up for online statements, completed after the applicable cutoff time or on a non-business day For checking accounts with a combined balance option to avoid the monthly service fee, when an account is linked or a transaction occurs on linked accounts When is it included in the monthly fees calculation? On the same business day On the next business day On the next business day On the day the transaction posts When our system is updated on the next business day Information in this chart above applies until the combined balance cutoff which is one business day prior to the last business day of your fee period If your fee period is not the same as your statement period, your fees may be calculated using transactions included on another statement. Wells Fargo may change these periods to align the dates for both of the periods. 2 Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

7 Monthly fees How are monthly fees calculated? Monthly fees include the monthly service fee, transactions fee, cash deposited fee, coin order fee, currency order fee, and check image option fee. Monthly fees are calculated using account balances and transactions occurring during the fee period. Included transactions must be received in our records during the fee period. Monthly fees are calculated and posted to your account on the last business day of the fee period. An exception to this rule is on accounts with the option to avoid the monthly service fee with a combined balance. We determine your combined balance one business day prior to the last business day of your fee period. We use the most current balances we have available on that date. 3

8 Business checking accounts A Wells Fargo business checking account can help streamline your business finances with more convenience, greater value, and flexibility. Wells Fargo Business Choice Checking Checking designed Customers with new and growing businesses who want multiple for ways to avoid the monthly service fee. Monthly service fee $14 Options to avoid the monthly service fee Minimum opening deposit Avoid the fee with one of the following each fee period 1 : Maintain a $7,500 average ledger balance $10,000 in combined balances 2 10 or more business debit card purchases and/or payments from this checking account 3 Linked to a Direct Pay 4 service through Wells Fargo Business Online Qualifying transaction from a linked Wells Fargo Merchant Services account 5 Qualifying transaction from a linked Wells Fargo Business Payroll Services account 6 $50 Transactions 7 fee First 200 total transactions per month - No charge Over 200 total transactions per month - $0.50 each Cash deposited fee First $7,500 per month - No charge Over $7,500 per month - $0.30 per $100 deposited Interest Not applicable Optional Overdraft Protection available. Subject to applicable transfer or advance fees. Yes 1 We will waive the monthly service fee for the first two fee periods to allow you to meet your monthly service fee waiver requirements. After two fee periods, we will continue to waive the monthly service fee if the requirements are met. 2 Combined balances include: Combined average ledger balances in business checking, savings, and time accounts, most recent statement balance of Wells Fargo business credit cards, Wells Fargo Business Secured Credit Card, BusinessLine line of credit, Wells Fargo Small Business Advantage line of credit, Working Capital Line of Credit, Advancing Term Line of Credit, and BusinessLoan term loan, and combined average daily balances from the previous month for Wells Fargo Business PrimeLoan SM, Commercial Equity Loan, Commercial Refinance Loan, Commercial Purchase Loan, Commercial Equity Line of Credit, Small Business Advantage loan, Equipment Express loan, and Equipment Express Single Event loan. 3 To be eligible for the business Platinum debit card waiver option, the customer s business debit card must be linked to their Business Choice Checking account. PIN and signature-based purchases qualify to avoid the $14 monthly service fee. ATM transactions (including stamp purchases) are not qualified to avoid the monthly service fee. If there are multiple business debit cards linked to a Business Choice Checking account, the purchase activity for all of those cards will be combined to avoid the monthly service fee. 4 Business Account Fee And Information Schedule July 15, 2015 (BBG6788) Wells Fargo Platinum Business Checking Customers with established businesses and greater checking account activity looking for premier relationship benefits. $40 Avoid the fee with one of the following each fee period 1 : Maintain a $25,000 average ledger balance $40,000 in combined balances 2 $50 First 500 total transactions per month - No charge Over 500 total transactions per month - $0.50 each First $20,000 per month - No charge Over $20,000 per month - $0.30 per $100 deposited Earned on daily collected balances above $25,000 Variable rate that the Bank can change at any time Yes 4 Direct Pay access costs $10 per monthly billing cycle. Direct Pay payments to non-wells Fargo personal bank accounts are $0.50 per payment. There are no per payment charges for Direct Pay payments to Wells Fargo personal bank accounts. All payments made to business bank accounts are $3 each. 5 A qualifying transaction from a linked Wells Fargo Merchant Services account is a payment card transaction (e.g., Visa, MasterCard or Discover Network) from a Wells Fargo Merchant Services product that is deposited to a linked Business Choice Checking account at least once during the fee period. 6 A qualifying transaction from a linked Wells Fargo Business Payroll Services account is a payroll transaction from a Wells Fargo Business Payroll Services product that is funded from a linked Business Choice Checking account at least once during the fee period. 7 The definition of Transactions refers to any combination of deposits, paid items and deposited items, including paper and electronic. Transactions do not include purchases and payments made using a Wells Fargo Business Debit Card or Wells Fargo Business ATM Card, Wells Fargo Business Instant Issue Debit Card, Business Bill Pay, or Direct Pay payments made through Wells Fargo Business Online, and Wells Fargo Merchant Services, or Wells Fargo Business Payroll Services transactions. 5

9 Business checking accounts Additional benefits Business Choice Checking and Platinum Business Checking: Business Choice Checking: $10 discount on first order of business checks Special offers and discounts are available to Wells Fargo Business Choice Checking customers. Contact a banker for details. Platinum Business Checking: $10 discount on first order of business checks Avoid the monthly service fee on up to two Additional Platinum Checking accounts when linked to a Platinum Business Checking account Free stop payments Free cashier s checks Free money orders 2 free incoming domestic wire transfers per fee period 2 free non-wells Fargo ATM transactions per fee period Special offers and discounts are available to Wells Fargo Platinum Business Checking customers. Contact a banker for details. Additional information Business Choice Checking and Platinum Business Checking: What accounts can you link for Overdraft Protection? To protect your account from an overdraft, you may link one or both of the following Wells Fargo accounts: Eligible business savings account (Please be aware that these transfers count toward the savings account transaction limit see page 29) Business credit card or eligible business line of credit Please refer to the Service fees section for details on overdraft, Overdraft Protection transfer fee, and returned item fees. What are your statement and check image options? All account holders receive free online or paper statements of their checking and savings accounts. This service includes free check safekeeping. Check image options For an additional fee, you can enroll in our check image program. You have two different monthly check return/image options available to you: 1. Classic: 10 checks per page. Image includes the front of checks only. The monthly fee is $2 per month. 2. Premium: 5 checks per page. Image includes the front and back of checks. The monthly fee is $3.50 per month. Additional information regarding the check image options service: The fee for this service is only assessed when check images are returned in your account statement. This service is not available with online statements. 6 Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

10 Business checking accounts What is included in combined balances? Business Choice Checking and Platinum Business Checking combined balances include the following qualifying accounts under a single Taxpayer Identification Number: Combined average ledger balances in business checking, savings, and time accounts, PLUS Most recent statement balance of Wells Fargo business credit cards, Wells Fargo Business Secured Credit Card, BusinessLine line of credit, Wells Fargo Small Business Advantage line of credit, Working Capital Line of Credit, Advancing Term Line of Credit and BusinessLoan term loan, PLUS Combined average daily balances from the previous month for Wells Fargo Business PrimeLoan SM, Commercial Equity Loan, Commercial Refinance Loan, Commercial Purchase Loan, Commercial Equity Line of Credit, Small Business Advantage loan, Equipment Express loan and Equipment Express Single Event loan Accounts linked to a Business Choice Checking or Platinum Business Checking account to qualify for a monthly service fee waiver cannot be linked to any other Wells Fargo checking account to qualify for a monthly service fee waiver. Additional information Platinum Business Checking account Can you earn interest on your Platinum Business Checking account? You can earn a variable rate based on daily collected balances above $25,000. For example, if the ending daily collected balance in your account is $30,000, interest will be earned on $5,000 on that business day. Minimum daily collected balance of $25,000 must be maintained to earn interest on balances above this amount. The account will earn no interest for any day the balance falls below the minimum daily collected balance. Variable rate that the Bank can change at any time. 7

11 Additional business checking accounts Wells Fargo Simple Wells Fargo Additional Business Checking Platinum Checking Checking designed Businesses with limited checking Platinum Business Checking for needs such as local and nonprofit organizations and some small businesses. customers that need additional checking accounts to manage their business. Monthly service fee $10 $12 Options to avoid the monthly service fee Avoid the fee partly or completely with one or both of the following each fee period: Maintain a $500 ($1,000 in California) average ledger balance, to reduce the fee by $5 a month. Enroll in Wells Fargo Business Online and choose to receive online statements only and an additional $5 will be reduced. Avoid the fee with one of the following each fee period: Linked to Platinum Business Checking $3,000 minimum daily balance $6,000 average ledger balance Qualifying transaction from a linked Wells Fargo Business Payroll Services account 1 Minimum opening $50 $50 deposit Transactions 2 fee First 50 total transactions per month No charge First 150 total transactions per month No charge Over 50 total transactions per month $0.50 each Over 150 total transactions per month $0.50 each Cash deposited fee First $3,000 per month No charge Over $3,000 per month $0.30 per $100 deposited First $5,000 per month No charge Over $5,000 per month $0.30 per $100 deposited Interest Not applicable Not applicable Optional Overdraft Protection available. Subject to applicable transfer or advance fees. Yes 1 A qualifying transaction from a linked Wells Fargo Business Payroll Services account is a payroll transaction from a Wells Fargo Business Payroll Services product that is funded from a linked Wells Fargo business checking account at least once during the fee period. Yes 8 Business Account Fee And Information Schedule July 15, 2015 (BBG6788) Wells Fargo Business Checking Wells Fargo Business Checking Plus Public Funds Public Funds Businesses with moderate transaction activity looking to save on costs. $12 $16 Avoid the fee with one of the following each fee period: Maintain $3,000 minimum daily balance, Maintain $6,000 average ledger balance, Qualifying transaction from a linked Wells Fargo Business Payroll Services account 1 $50 $50 First 150 total transactions per month - No charge Over 150 total transactions per month - $0.50 each First $5,000 per month - No charge Over $5,000 per month - $0.30 per $100 deposited Businesses with moderate transaction activity looking to save on costs with an interest bearing option. Avoid the fee with one of the following each fee period: Maintain a $5,000 minimum daily balance, Maintain a $10,000 average ledger balance First 150 total transactions per month - No charge Over 150 total transactions per month - $0.50 each First $5,000 per month - No charge Over $5,000 per month - $0.30 per $100 deposited Not applicable Variable rate, depending on the collected balance in the account less the current reserve requirement Variable rate that the Bank can change at any time No 2 The definition of Transactions refers to any combination of deposits, paid items and deposited items, including paper and electronic. Transactions do not include purchases and payments made using a Wells Fargo Business Debit Card or Wells Fargo Business ATM Card, Wells Fargo Business Instant Issue Debit Card, Business Bill Pay, or Direct Pay payments made through Wells Fargo Business Online, for Online and Wells Fargo Merchant Services, or Wells Fargo Business Payroll Services transactions. No 9

12 Additional business checking accounts Additional Information - Simple Business Checking, Additional Platinum Checking, Business Checking Public Funds, and Business Checking Plus Public Funds: What accounts can you link for Overdraft Protection? To protect your account from an overdraft, you may link one or both of the following Wells Fargo accounts: Eligible business savings account (Please be aware that these transfers count toward the savings account transaction limit see page 29) Business credit card or eligible business line of credit Wells Fargo Business Checking - Public Funds is not eligible for Overdraft Protection Please refer to the Service fees section for details on overdraft, Overdraft Protection transfer fee, and returned item fees. What are your statement and check image options? All account holders receive free online or paper statements of their checking and savings accounts. This service includes free check safekeeping. Check image options For an additional fee, you can enroll in our check image program. You have two different monthly check return/image options available to you: 1. Classic: 10 checks per page. Image includes the front of checks only. The monthly fee is $2 per month. 2. Premium: 5 checks per page. Image includes the front and back of checks. The monthly fee is $3.50 per month. Additional information regarding the check image options service: The fee for this service is only assessed when check images are returned in your account statement. This service is not available with online statements. 10 Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

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14 Additional business checking accounts Checking designed for Monthly service fee for states: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NJ, NM, NY, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY Monthly service fee for states: CA, NV Options to avoid the monthly service fee Qualified accounts Basic Business Checking with Interest Interest on Lawyer s Trust Account (IOLTA)* Lawyers and law firms that pool their client s funds without a need for treasury management services. $5 None Avoid the fee with one of the following each fee period: $5,000 minimum daily balance $10,000 average ledger balance The monthly service fee is netted against interest paid as allowable by law. The net interest is sent to the applicable state foundation monthly. All other fees are the account holder s responsibility. Not applicable Minimum opening $50 deposit Interest Variable rate, depending on the collected balance in the account less the current reserve requirement Variable rate that the Bank can change at any time Interest is paid according to the rules of the state whose laws govern this account Optional Overdraft No Protection available. Subject to applicable transfer or advance fees. * Colorado Lawyer Trust Account Foundation (COLTAF), Florida Interest on Trust Account (IOTA), New York Interest on Lawyer s Account (IOLA) 12 Business Account Fee And Information Schedule July 15, 2015 (BBG6788) Wells Fargo Analyzed Business Checking with Interest Interest on Lawyer s Trust Account (IOLTA) Lawyers and law firms that pool their client s funds with a need for treasury management services. $5 None Avoid the fee with one of the following each fee period: $5,000 minimum daily balance $10,000 average ledger balance The monthly service fee is netted against interest paid as allowable by law. The net interest is sent to the applicable state foundation monthly. All other fees are the account holder s responsibility. The Analyzed IOLTA account must be linked to an eligible billing account for payment of the applicable fees. Only Analyzed non-iolta and non-government business checking accounts qualify $50 Variable rate, depending on the collected balance in the account less the current reserve requirement Variable rate that the Bank can change at any time Interest is paid according to the rules of the state whose laws govern this account No Important note The Basic Business Checking with Interest Interest on Lawyer s Trust Account (IOLTA) and the Analyzed Business Checking with Interest Interest on Lawyer s Trust Account (IOLTA) accounts are subject to rules governing attorney trust accounts in the state whose laws govern this account. These rules cover payment of interest, reporting of information to third parties (OD, NSF, etc.), and the lawyer s responsibility to pay for fees assessed in connection with the IOLTA account that are not netted against the interest. See page 15 for additional information. 13

15 Additional business checking accounts Product offered in Colorado, Connecticut, Iowa, Maryland, Minnesota, Nebraska, New Mexico, North Dakota, Utah, Washington, and Wisconsin only. Basic Business Checking with Interest Real Estate Trust Account (RETA)** Checking designed for Real estate brokers that pool their clients funds without a need for treasury management services. Monthly service fee $5 Options to avoid the monthly service fee Avoid the fee with one of the following each fee period: $5,000 minimum daily balance $10,000 average ledger balance The monthly service fee is netted against interest paid as allowable by law. The net interest is sent to the applicable state foundation monthly. All other fees are the account holder s responsibility. Minimum opening deposit $50 Interest Variable rate, depending on the collected balance in the account less the current reserve requirement Variable rate that the Bank can change at any time Interest is paid according to the rules of the state whose laws govern this account Optional Overdraft Protection available. Subject to applicable transfer or advance fees. No **Colorado Association of Realtors Housing Opportunity Foundation (CARHOF) 14 Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

16 Additional business checking accounts Additional information Basic Business Checking with Interest Interest on Lawyer s Trust Account (IOLTA) and Basic Business Checking with Interest Real Estate Trust Account (RETA) What are your statement and check image options? All account holders receive free online or paper statements of their checking and savings accounts. This service includes free check safekeeping. Check image options You can enroll in our check image program. You have two different monthly check return/ image options available to you: 1. Classic: 10 checks per page. Image includes the front of checks only. There is no monthly fee. 2. Premium: 5 checks per page. Image includes front and back of checks. There is no monthly fee. Additional information regarding the check image options service: This service is not available with online statements. Additional information Analyzed Business Checking with Interest Interest on Lawyer s Trust Account (IOLTA) What are your statement and check image options? All account holders receive free online or paper statements of their checking and savings accounts. This service includes free check safekeeping. Check image options You can enroll in our check image program. You have two different monthly check return/ image options available to you: 1. Classic: 10 checks per page. Image includes the front of checks only. The monthly fee is $2 up to 75 check images, then $0.03 per image exceeding Premium: 5 checks per page. Image includes front and back of checks. The monthly fee is $4 per month up to 75 check images, then $0.06 per image exceeding 75. Additional information regarding the check image options service: The fee for this service is only assessed when check images are returned in your account statement. This service is not available with online statements. 15

17 Additional business checking accounts Checking designed for Monthly maintenance fee for states: AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NM, NV, OH, OR, SC, SD, TN, TX, UT, VA, WA, WI, WY Monthly maintenance fee for states: DE, NJ, NY, PA Earnings allowance Minimum opening deposit Account transaction fees for states: AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, MD, MI, MN, MT, NC, ND, NE, NV, OH, OR, SC, SD, TX, UT, VA, WA, WI, WY Wells Fargo Analyzed Business Checking, Wells Fargo Analyzed Business Checking - Public Funds, and Wells Fargo Choice IV U.S. Government Account Businesses with high transaction volumes or advanced treasury management needs. $20 $25 An earnings allowance is used to offset eligible fees. All fees listed below are eligible fees, as are certain fees noted in the Service fees section of this booklet. Your earnings allowance is calculated by applying the earnings credit rate to the investable balance available for services in your account. The earnings credit rate is a variable rate that the Bank can change at any time. The rate appears on your client analysis statement. You pay a service charge when your fees exceed your earnings allowance in a given month. $50 $0.20 per check paid 1 $0.20 per debit posted 1 $0.75 per deposit 1 $0.25 per ATM deposit $0.20 per electronic credit posted 1 $0.15 per deposited item (in addition to deposit or electronic credit posted) $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) $ per $1 of cash deposited 1 Please refer to the analyzed account transaction categories listed at the end of this section for details on the types of transactions included. 16 Business Account Fee And Information Schedule July 15, 2015 (BBG6788) Wells Fargo Analyzed Business Checking Plus and Wells Fargo Analyzed Business Checking Plus Public Funds Businesses with high transaction volumes or advanced treasury management needs looking for an interest bearing option. $30 $35 Not applicable $50 $0.20 per check paid 1 $0.20 per debit posted 1 $0.75 per deposit 1 $0.25 per ATM deposit $0.20 per electronic credit posted 1 $0.15 per deposited item (in addition to deposit or electronic credit posted) $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) $ per $1 of cash deposited Table continues on the following page. 17

18 Additional business checking accounts Account transaction fees for states: AK, AL, MS, NM, TN Account transaction fees for states: DE, NJ, NY, PA Interest Not applicable Optional Overdraft Protection available. Subject to applicable transfer or advance fees. Wells Fargo Analyzed Business Checking, Wells Fargo Analyzed Business Checking - Public Funds, and Wells Fargo Choice IV U.S. Government Account $0.16 per check paid 1 $0.16 per debit posted 1 $0.50 per deposit 1 $0.25 per ATM deposit $0.20 per electronic credit posted 1 $0.15 per deposited item (in addition to deposit or electronic credit posted) $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) $ per $1 of cash deposited $0.25 per check paid 1 $0.30 per debit posted 1 $0.75 per deposit 1 $0.25 per ATM deposit $0.50 per electronic credit posted 1 $0.20 per deposited item (in addition to deposit or electronic credit posted) $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) $ per $1 of cash deposited Yes, Analyzed Business Checking only 1 Please refer to the analyzed account transaction categories listed at the end of this section for details on the types of transactions included. 18 Business Account Fee And Information Schedule July 15, 2015 (BBG6788) Wells Fargo Analyzed Business Checking Plus and Wells Fargo Analyzed Business Checking Plus Public Funds $0.16 per check paid 1 $0.16 per debit posted 1 $0.50 per deposit 1 $0.25 per ATM deposit $0.20 per electronic credit posted 1 $0.15 per deposited item (in addition to deposit or electronic credit posted) $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) $ per $1 of cash deposited $0.25 per check paid 1 $0.30 per debit posted 1 $0.75 per deposit 1 $0.25 per ATM deposit $0.50 per electronic credit posted 1 $0.20 per deposited item (in addition to deposit or electronic credit posted) $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) $ per $1 of cash deposited Variable rate, depending on the collected balance in the account less the current reserve requirement Variable rate that the Bank can change at any time Yes, Analyzed Business Checking Plus only See page 22 for additional information. 19

19 Additional business checking accounts Wells Fargo Analyzed Business Checking Select Checking designed for Businesses with high transaction volumes or advanced treasury management needs looking for an interest bearing option. Monthly maintenance fee $75 Earnings allowance An earnings allowance is used to offset eligible fees. All fees listed below are eligible fees, as are certain fees noted in the Service fees section of this booklet. Your earnings allowance is calculated by applying the earnings credit rate to the investable balance available for services in your account. The earnings credit rate is a variable rate that the Bank can change at any time. The rate appears on your client analysis statement. You pay a service charge when your fees exceed your earnings allowance in a given month. Minimum opening deposit $50 Account transaction fees for states: AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, MD, MI, MN, MT, NC, ND, NE, NV, OH, OR, SC, SD, TX, UT, VA, WA, WI, WY Account transaction fees for states: AK, AL, MS, NM, TN $0.20 per check paid 1 $0.20 per debit posted 1 $0.75 per deposit 1 $0.25 per ATM deposit $0.20 per electronic credit posted 1 $0.15 per deposited item (in addition to deposit or electronic credit posted) $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) $ per $1 of cash deposited $0.16 per check paid 1 $0.16 per debit posted 1 $0.50 per deposit 1 $0.25 per ATM deposit $0.20 per electronic credit posted 1 $0.15 per deposited item (in addition to deposit or electronic credit posted) $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) $ per $1 of cash deposited Table continues on the following page. 1 Please refer to the analyzed account transaction categories listed at the end of this section for details on the types of transactions included. 20 Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

20 Additional business checking accounts Account transaction fees for states: DE, NJ, NY, PA Wells Fargo Analyzed Business Checking Select $0.25 per check paid 1 $0.30 per debit posted 1 $0.75 per deposit 1 $0.25 per ATM deposit $0.50 per electronic credit posted 1 $0.20 per deposited item (in addition to deposit or electronic credit posted) $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) $ per $1 of cash deposited Interest Variable rate, depending on your investable balance not used to offset fees Variable rate that the bank can change at any time. The rate appears on your client analysis statement. Optional Overdraft Yes Protection available. Subject to applicable transfer or advance fees. 1 Please refer to the analyzed account transaction categories listed at the end of this section for details on the types of transactions included. 21

21 Additional business checking accounts Additional information Analyzed Business Checking, Analyzed Business Checking Public Funds, Choice IV U.S. Government Account, Analyzed Business Checking Plus, Analyzed Business Checking Plus Public Funds, Analyzed Business Checking Select What accounts can you link for Overdraft Protection? To protect your account from an overdraft, you may link one or both of the following Wells Fargo accounts: Eligible business savings account (Please be aware that these transfers count toward the savings account transaction limit see page 29) Business credit card or eligible business line of credit Analyzed Business Checking - Public Funds, Choice IV - U.S. Government Account, and Analyzed Business Checking Plus - Public Funds are not eligible for Overdraft Protection Please refer to the Service fees section for details on overdraft, Overdraft Protection transfer fee, and returned item fees. What are your statement and check image options? All account holders receive free online or paper statements of their checking accounts. This service includes free check safekeeping. Check image options For an additional fee, you can enroll in our check image program. You have two different monthly check return/image options available to you: 1. Classic: 10 checks per page. Image includes the front of checks only. The monthly fee is $2 up to 75 check images, then $0.03 per image exceeding Premium: 5 checks per page. Image includes the front and back of checks. The monthly fee is $4 up to 75 check images, then $0.06 per image exceeding Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

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23 Analyzed account transaction categories If you have an analyzed account, the Bank provides you with account analysis information either in a separate account analysis statement or as part of your regular account statement. Transactions that are combined into different categories for calculating volumes and Bank fees are listed on the account analysis statement. These same transactions are reported individually with details on your regular account statement. The categories and transactions are subject to change at the Bank s discretion. The following are analyzed accounts: Wells Fargo Analyzed Business Checking with Interest IOLTA Wells Fargo Analyzed Business Checking Wells Fargo Analyzed Business Checking Public Funds Wells Fargo Choice IV U.S. Government Account Wells Fargo Analyzed Business Checking Plus Wells Fargo Analyzed Business Checking Plus Public Funds Wells Fargo Analyzed Business Checking Select Transaction categories and the types of transactions in each category are listed below. Checks paid Consists of checks or drafts presented for payment on your account, including checks that are presented electronically Debits posted Consists of the following types of transactions: ACH settlement debit Other ACH debits Automatic transfer Bill pay Book transfer debit Brokerage settlement debit Cash vault change order Controlled Disbursement (CDR) Funding Account Debit International money transfer debit Merchant refunds Preauthorized debit Sweep debit Telephone transfer withdrawal Withdrawal made at a banking location Wire transfer withdrawal Zero balance account transfer Other debits 24 Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

24 Analyzed account transaction categories Electronic credits posted Consists of the following types of transactions: Merchant services credit Direct deposit Wire transfer deposit Zero balance account transfer Book transfer credit International money transfer credit Desktop Deposit Online direct credit Brokerage credit settlement Controlled Disbursement (CDR) Funding Account Credit ACH debit returned item Other ACH credits Electronic lockbox deposit Sweep credit Telephone transfer deposit Electronic check deposit Automatic transfer Other electronic credits Deposit Consists of non-electronic deposits, such as those made at a banking location, vault or ATM 25

25 Business savings accounts Wells Fargo Business Market Rate Savings Savings designed for New and growing businesses looking to build savings for the future. Monthly service fee $6 Options to avoid the Avoid the fee with one of the following each fee period: monthly service fee $500 average collected balance A total amount of $25 or more of automatic transfers each month from a Wells Fargo business checking account into this savings account Minimum opening deposit $50 Deposited items fee - This refers to any combination of deposited items, including paper and electronic. First 20 per month - No charge Over 20 per month - $0.50 each Cash deposited fee First $5,000 per month - No charge Over $5,000 per month - $0.30 per $100 deposited Excess activity fees 1 Interest $15 per withdrawal or transfer Please refer to the current business deposit rate sheet for current rates in your banking location. Interest is: Earned on the entire daily collected balance Compounded daily and paid monthly using a 365-day year A variable rate that the Bank can change at any time Check writing Permitted subject to limitations 1 1 Certain withdrawals and transfers from a savings account are limited by Regulation D and Wells Fargo to a combined total of six (6) per monthly fee period. If the limit is exceeded, an excess activity fee for each withdrawal or transfer will be assessed. Please refer to the sub-section titled Regulation D savings account transaction limit and other limited activity located at the end of the Savings section in this Schedule for complete details. 26 Business Account Fee And Information Schedule July 15, 2015 (BBG6788) Wells Fargo Business Market Rate Account Public Funds Public fund entities seeking liquidity and competitive rates. $10 $15 Avoid the fee with one of the following each fee period: $2,500 minimum daily balance $5,000 average collected balance $50 $50 First 20 per month - No charge Over 20 per month - $0.50 each First $5,000 per month - No charge Over $5,000 per month - $0.30 per $100 deposited Wells Fargo Business Platinum Savings Established businesses looking to maximize available funds. Avoid the fee when you maintain a $10,000 minimum daily balance each fee period First 20 per month - No charge Over 20 per month - $0.50 each $15 per withdrawal or transfer $15 per withdrawal or transfer Please refer to the current business deposit rate sheet for current rates in your banking location. Interest is: Earned on the entire daily collected balance Compounded daily and paid monthly using a 365-day year A variable rate that the Bank can change at any time First $5,000 per month - No charge Over $5,000 per month - $0.30 per $100 deposited Please refer to the current business deposit rate sheet for current rates in your banking location. Interest is: Earned on the entire daily collected balance Compounded daily and paid monthly using a 365-day year A variable rate that the Bank can change at any time Permitted subject to limitations 1 Permitted subject to limitations 1 27

26 Business savings accounts Additional information - Business Market Rate Savings, Wells Fargo Business Market Rate Account - Public Funds, and Wells Fargo Business Platinum Savings Account What are your statement and check image options? All account holders receive free online or paper statements of their checking and savings accounts. This service includes free check safekeeping. Check image options For an additional fee, you can enroll in our check image program. You have two different monthly check return/image options available to you: 1. Classic: 10 checks per page. Image includes the front of checks only. The monthly fee is $2 per month. 2. Premium: 5 checks per page. Image includes the front and back of checks. The monthly fee is $3.50 per month. Additional information regarding the check image options service: The fee for this service is only assessed when check images are returned in your account statement. This service is not available with online statements. 28 Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

27 Regulation D savings account transaction limit and other limited activity Regulation D and Wells Fargo limit certain types of withdrawals and transfers from a savings account to a combined total of six (6) per monthly fee period: Limited by Regulation D: Transfers by phone using an automated banking service or speaking with a banker on the phone Transfers or payments through online, mobile, and text banking (including Bill Pay and Wells Fargo SurePay SM ) Overdraft Protection transfers to a checking account Pre-authorized transfers and withdrawals (including recurring and one time) Payments to third parties such as checks, drafts, or similar transactions (counted when they are posted to the account and not when they are written) Debit or ATM card purchases that post to the savings account Transfers or payments made in person using the Wells Fargo SurePay service at a Wells Fargo ATM - To your account at another financial institution - To a third party s account at Wells Fargo - To a third party s account at another financial institution Limited by Wells Fargo: Transfers and payments to Wells Fargo credit cards, lines of credit, and loans Outgoing wire transfers whether made in person, on the phone, or online Transfers or payments made in person using the Wells Fargo SurePay service to your Wells Fargo account at a Wells Fargo ATM If you have more than six (6) transactions listed above, you will be charged an excess activity fee (see Service fees section). Not limited: Except as limited above, there is no limit on the following in person transactions at a Wells Fargo ATM or banking location: - Transfers between your Wells Fargo accounts - Withdrawals - Any type of deposits 29

28 Time Accounts (CDs) Wells Fargo Business Time Account (CD) Account designed for Businesses with cash reserves that can be held for a specific length of time. It offers guaranteed fixed interest rates with different terms to choose from. Minimum opening deposit $2,500 Terms From 3 months to 144 months (12 years) From 14-day to 365-day terms also available for balances of $100,000 or more Interest rate The rate in effect when you open or renew the CD is fixed for the term of the deposit. Withdrawals during term of account Interest payment options For all accounts, interest compounds daily. You pay an early withdrawal fee if you withdraw funds from your account before the term is complete. (See Early withdrawal fee and Regulation D penalty section on page 32) You have options to customize your interest payments in the following ways: For terms of 12 months (365 days) or less, you may choose to have your interest paid - Monthly, - Quarterly, - Semi-annually, or - At maturity (end of term). For terms of 12 months or more, you may choose to have your interest paid - Monthly, - Quarterly, - Semi-annually, or - Annually. You may choose to have your interest payments - Re-deposited into your CD, - Transferred to a Wells Fargo checking or savings account, or - Paid by check if your CD has a minimum balance of $5,000. Table continues on the following page. 30 Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

29 Time Accounts (CDs) Wells Fargo Business Time Account (CD) Renewal Grace period Monthly service fee Most accounts renew automatically. Whether or not your account automatically renews depends on its term. CDs with terms of less than 30 days do not renew automatically. If your CD does not renew automatically, and you do not withdraw the funds on the maturity date, the funds stop earning interest. The funds then become available for immediate withdrawal. CDs with terms of 30 days or more renew automatically at maturity unless you choose to withdraw the funds. At renewal, we will treat any interest that we re-deposited into your CD during the previous term as principal for your new term. Before your CD s term ends, we want you to be prepared to choose your preferred renewal option. For CDs with terms of 30 days or longer, we will send you a notice approximately one month in advance reminding you of the maturity date. Unless we notify you otherwise, when your CD automatically renews, three changes will occur when you reach the maturity date 1. The new term begins and will be the same length as the original term. 2. The new interest rate will be the Bank s interest rate in effect for a same term and amount CD that day. 3. The new interest rate begins. At each renewal period, we may change your CD s interest rate, method of calculating interest, term, and any other CD provision. We will notify you about any changes that may be relevant to you or required by law. A grace period begins the day after your CD matures and lasts seven calendar days. From the maturity date through the grace period, you may, without a fee, do any of the following: Change the term Make additional deposits; no additional deposits to the CD are allowed outside this grace period Make withdrawals from the renewed amount, provided the withdrawal does not exceed the amount of the matured CD Make both additional deposits and withdrawals, provided the withdrawals do not exceed the amount of the matured CD Close the CD The Bank does not pay interest from the maturity date to the date of withdrawal on any funds withdrawn during the grace period. None Table continues on the following page. 31

30 Time Accounts (CDs) Early withdrawal fee and Regulation D penalty Wells Fargo Business Time Account (CD) You may have to pay an early withdrawal fee or a Regulation D penalty if you withdraw money from your CD before the CD term ends. Early withdrawal fee 1 Other than the Regulation D penalty described below, any money you withdraw from your CD before the end of its term will be subject to an early withdrawal fee based on the length of the CD term if your term is Less than 3 months or less than 90 days, the fee is 1 month s interest, Between 3 and 12 months or between 90 to 365 days, the fee is 3 months interest, Over 12 months through 24 months, the fee is 6 months interest, or Over 24 months, the fee is 12 months interest. The minimum fee is $25. Regulation D penalty The Regulation D penalty is 7 days simple interest on the amount withdrawn and applies to the following: Withdrawals made within 7 days of account opening including the day the account was opened. Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured CD balance. Exceptions to the early withdrawal fee and the Regulation D penalty Death of the CD owner Death of the grantor of a revocable family/living/totten trust Court determination that a CD owner is legally incompetent Retitling of a CD to transfer ownership of funds into a family/ living/totten trust, without removing funds from Wells Fargo, provided no change of terms or rates occurs 1 We calculate the early withdrawal fee using the amount of principal you withdraw at your CD s interest rate at the time of withdrawal. The fee is calculated by multiplying the interest rate by the amount of principal withdrawn then dividing that total by 12 to arrive at one month s interest. We will deduct your early withdrawal fee from your earned interest. If the fee is greater than your earned interest, then we will deduct the difference from the principal amount of your CD. 32 Business Account Fee And Information Schedule July 15, 2015 (BBG6788)

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